No Claims - How to handle ?

drogon.

Wondering if someone can help me out, I have about 8 years no claims - but noticing that most insurer only send out a cert saying I have 5 or 6 (cause it is the max on their scale). So when searching for new insurance, do I go with 6 years based on the no claims document or do I say 8 ?

I do have a scanned copy of all my no claims documents going back 8 years

Henry Ford III

8.

You've earned it after all

https://www.boards.ie/discussion/comment/118103694#Comment_118103694

6+

Like you say, you're getting the MAX 'alledged' discount in any case so the point is moot insofar as 20yrs ncb merits the same as tyev6

drogon.

Thanks folks.

https://www.boards.ie/discussion/comment/118103726#Comment_118103726

Some seems to have up to 10 years NCD on the dropdown box on their website, hence was asking.

https://www.boards.ie/discussion/comment/118103940#Comment_118103940

Never seen that tbh, it's all a bit of a 'myth' really.......the algorithms used don't really allow an abnormality to be created ( I.e. a 'discount per se) for say, a male with 7yrs ncb as opposed to a female with 4yrs ncb, the algorithm is really looking at age/ how long licence held/other licence categories/profession/age of vechicle/annual milage etc. Like a 40yr old male full time ambulance driver that drives a 2yr old fiesta has a totally different 'weighing' than a 24yr old female sales rep with a 5yr old bmw3series-- even if they both have 6yrs ncb. Anyhow, always put in the MAX yrs